A Cents Plan put your “Cents” with your “Sense” to come up with a Plan.

When developing a Cents Plan, the purpose is to align it to yourDream Big Vision. Put money in the areas that you most desire. Not fit it into a budget.

So, back to the post on #1 Reason Budgets Fail.

Simple…

#1 Reason Budgets Fail

They are changed WAY too often.

Yes, budgets fail because they are changed way too often.

They are updated monthly to reach the ultimate zero budgeting. Mid-month, a shortage in a cash envelope happens, so, money is quickly moved from one envelope to another. The budget isn’t working, so you adjust it again to make it just right.

The reason budgets fail is because they are constantly changed. So, how can you avoid the #1 reason budgets fail? Buck the trend today.

Learn the Simple Fix for the #1 Reason Budgets Fail:

1. Set Up Cents Plan for a Year

For many, the thought of setting up their budget for the whole year may sound CRAZY! Personally, after many failed attempts using other budgeting gurus templates that said to set it up each month, we tried and failed miserably.

The reason was simple enough – we didn’t account for what was coming up.

Corporations set their budget for an entire year and they don’t change once approved. Once we started setting up our Cents Plan for an entire year, we started thriving with our money. (Just to be fair…we were still paying off debt at the time. But, we were making progress and the stress was gone.)

3. Understand it will be Harder before it gets Easier

The first three months are the hardest. You are changing old habits to align with your Dream Big Vision. It will be harder before it gets easier. I can promise that. Also, I can tell you once progress is made lining up your vision in life with your money – you won’t go back. Find that place in life – “Where Cents Parallel Vision.”

4. Stay Consistent

Don’t give up.

The first month you stay on track. Then, you splurge a little too much in the second month. Then, you are back on the wagon for the third month.

You have created your own personal roller coaster with money.

Stay consistent.

This is where Slush Money is so utterly important. Honestly, I truly believe Slush Money will led to financial freedom.

5. Remember Your Dream Big Vision

Back at the top, the discussion on a budget vs Cents Plan occurred.

Here at Money Bliss, we are all about “Where Cents Parallel Vision.”

If you can’t remember your vision, then there is no point to live within a budget. The goal is to line up your spending to your Dream Big Vision. If you don’t put it in writing, then your vision is like a fleeting thought in the wind.

Focus on your Dream Big Vision to have long-term success with money.

6. The Feeling of Failure Sets In

Don’t give up. Like I said before, it will be harder before it becomes easier.

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Behind Money Bliss

Kristy is the founder of Money Bliss. She has a passion to help others – specifically anyone who deals with money. As a wife and mom, Kristy understands the daily struggles with money and joys of life with kids! Read More…